ACB's business results in the third quarter: Maintaining stable growth

(Dan Tri) - The third quarter business results continue to affirm ACB's position as a private bank with leading risk management capacity and solid asset quality, with a bad debt ratio among the lowest in the industry for many consecutive years.

On that foundation,ACB ensures stable, effective and sustainable growth, moving towards a new strategic development stage.

ACB has maintained the lowest bad debt ratio in the industry for many consecutive years (Photo: ACB).

Pioneering with the private economy , corporate credit grows by 20%

By the end of the third quarter of 2025, ACB's outstanding credit balance reached VND669 trillion, up 15.2% compared to the beginning of the year, higher than the industry average. In particular, corporate lending continued to be the main growth driver, up 20%, concentrated in the fields of trade and manufacturing - key sectors of the economy.

At the same time, retail debt, which is the core of ACB's business strategy, also recorded a positive recovery, thanks to flexible credit programs and financial solutions specifically designed for each segment of individual customers, business households and small traders.

As a pioneer bank accompanying customers in implementing Resolution 68 on private economic development, ACB shows its acumen in development strategy and ability to innovate products and services.

Thanks to selective lending policies and tight risk control, ACB ensures capital flows into real profitable, low-risk sectors - the foundation for the bank to grow sustainably without sacrificing asset quality.

ACB’s bad debt ratio fell to 1.09%, among the lowest in the industry. This is a testament to its stable management capacity and proactive risk management, helping ACB maintain capital safety and high liquidity.

The ratio of short-term capital for medium and long-term loans is also at 21.8%, lower than the State Bank's regulations, helping banks have room to optimize yields when expanding medium and long-term loans.

CASA's sustainable growth, innovative products strengthen brand trust

CASA ratio reached 22.9%, up from 22.1% in the first quarter and 22.6% in the second quarter thanks to flexible mobilization policy and product diversification strategy.

Pioneering products and services such as “First Home”, specialized financial solution packages for business households, Flex payment solutions, Lotusmiles Pay integrated payment membership cards, etc. have helped ACB expand its customer base and strengthen brand trust.

The two awards Digital Pioneer 2025 - Pioneering Partner to deploy new digital solutions in Vietnam in 2025 and Innovative White-Label Airlines Card Commercial Launch in Vietnam 2025 - VISA's Innovative White-Label Airlines Card Commercial Launch Award in Vietnam 2025 have affirmed ACB's innovative vision of not only investing in technology, but also using technology to address the emotional and behavioral needs of modern customers.

At the Vietnam Outstanding Banking Awards (VOBA) 2025, ACB also received two titles: "Outstanding Retail Bank" and "Bank with Innovative Products and Services".

This is a testament to ACB's continuous efforts in improving service quality, promoting innovation and bringing different experiences to customers.

Profit exceeds 16,000 billion VND, high profitability, well-controlled costs

In the third quarter, ACB recorded pre-tax profit of VND5,400 billion, up 11% over the same period; the accumulated profit for the first 9 months reached more than VND16,000 billion, up 5%. The driving force came from a strong increase of 36% in non-interest income and controlled cost efficiency. The CIR ratio remained at 32%, reflecting efforts to digitize, optimize operations and increase labor productivity.

Not only the parent bank, but also the subsidiaries in the ecosystem contributed significantly: ACBS achieved pre-tax profit of VND 895 billion, up 34% over the same period, in which margin lending activities recorded an 87% growth compared to the beginning of the year, reaching more than VND 16 trillion.

ACBL, ACBA, ACBC all grew positively, together accounting for about 6% of consolidated profit. This synergy model helps ACB move towards the goal of becoming an “Effective Financial Group”, a multi-functional operating model, capable of creating comprehensive value for customers, shareholders and the market.

In the sustainable development strategy, risk management activities are considered by ACB as a fundamental factor, ensuring safe growth and long-term value for customers and shareholders.

Accordingly, ACB continuously strengthens and applies technology in risk management, both ensuring infrastructure and building human resources, not only to comply with regulations but also to effectively apply them in business, opening up a platform for the bank to develop modern financial products, personalize services and expand market share sustainably.

ACB was awarded 2 awards by Global Banking & Finance Review (UK) (Photo: BTC).

Recently, ACB also announced the completion of the project to build a capital calculation platform for credit risk based on the Internal Ratings - Based - IRB method, including both basic (FIRB) and advanced (AIRB) levels, demonstrating the bank's pioneering role in implementing advanced Basel standards in Vietnam.

ACB was also awarded the "Best Bank for Risk Management Vietnam 2025" by Global Banking & Finance Review (UK).

This is the foundation that helps the bank continuously maintain stable growth momentum for many years as well as be able to contribute back to society and the community.

Mr. Tu Tien Phat - General Director of ACB - shared: "A bank can only truly develop sustainably when it can both manage risks well and create real value for society. For ACB, growth is not just about numbers, but also about the balance between efficiency, safety and responsibility."

Mr. Tu Tien Phat - General Director of ACB (Photo: ACB).

Accordingly, ACB is also one of the prominent banks included in the Private 100 list - the list of private enterprises that contribute the largest budget in Vietnam.

At the same time, the bank also continues to accompany major Government resolutions such as Resolution 68 on private economic sector development and Resolution 57 on national innovation.

The Bank promotes programs to support businesses in digital transformation, sponsor education and university cooperation, contributing to fostering high-quality human resources to create the foundation for a more sustainable and competitive economy.

Impressive business results, outstanding risk management, and persistent social responsibility are creating an ACB consistent with the strategic orientation of becoming an effective financial group, bringing comprehensive personalized solutions to each customer, through a seamless experience on an integrated platform, led by technology, data and artificial intelligence.

Source: https://dantri.com.vn/kinh-doanh/ket-qua-kinh-doanh-acb-quy-iii-duy-tri-tang-truong-on-dinh-20251023165438343.htm